2866 THISTLE COURT N, PALM HARBOR, FL, 34684
Active5 days on marketListed Sep 16, 2026MLS #TB8549269
About this home
2866 THISTLE COURT N
Discover the perfect blend of comfort, style, and community in this beautifully renovated home, nestled in Palm Harbor’s premier 55+ golf community. From the moment you step inside, you’ll notice the thoughtful upgrades: fresh paint, new interior doors, elegant crown molding, and brand-new bathrooms. Luxury vinyl floors flow throughout, while abundant natural light and a rare wood-burning fireplace add warmth and charm. The updated kitchen is a true highlight, featuring granite countertops, self-closing cabinets, and new stainless steel appliances. It opens seamlessly to a cozy sitting area and the oversized Florida Room—perfect for hosting friends or simply enjoying a quiet morning coffee. Your spacious master suite is a private retreat with a den/office, walk-in closet, and spa-style bath with a step-in shower. Say goodbye to popcorn ceilings—this home has been fully modernized with today’s finishes. Major systems have been taken care of so you can move in with confidence: a newer electrical panel, on-demand water heater (2025), HVAC (2020), and a whole-house water filtration system. The roof is protected with Roof Max coating, extending its life and providing peace of mind. Add in a cost-saving deep-water well, and this home is truly turn-key. Highland Lakes is known as Tampa Bay’s best value in 55+ living. Residents enjoy free green fees on three private executive golf courses, plus pickleball, tennis, bocce, shuffleboard, 3 pools and beginner clinics to try something new. The clubhouse buzzes with fitness classes, entertainment, and social events, while the Arts & Crafts Annex features woodworking and creative studios. At Lake Tarpon Lodge, you’ll find a heated pool, fishing pier, picnic areas, and community pontoon boats. Free RV and boat storage, a secure lot, and a private boat ramp make life here even more convenient. This isn’t just a house—it’s a gateway to the lifestyle you’ve earned.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,578
Sqft
0.22 ac
Lot size
2
Garage
1979
Year built
One
Levels
$291
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,508 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,508/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+33.8%
$/sqft vs HIGHLAND LAKES
$291 vs $270
Days on market
5 vs 52 typical
Where $291/sqft sits among the 32 homes for sale in HIGHLAND LAKES
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Highland Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Highland Lakes — neighborhood snapshot
Population
5,270
Median age
69
Median income
$65,822
Median home value
$287,444
Avg household
2
Households w/ children
226
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
21 of 32
HIGHLAND LAKES have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 92% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 2866 THISTLE COURT N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$423,000
1199 WOODFIELD COURT · same community
2 bd · 2 ba · 1,545 sqft · $274/sqft · 15 DOM
Sold · May ’26$408,000
2932 MACALPIN DRIVE W · same community
2 bd · 2 ba · 1,539 sqft · $265/sqft · 145 DOM
Sold · Mar ’26$490,000
2927 MACALPIN DRIVE S UNIT 9 · same community
3 bd · 3 ba · 1,535 sqft · $319/sqft · 13 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2866 THISTLE COURT N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2866 THISTLE COURT N — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2866 THISTLE COURT N FAQs
What would the monthly payment be for 2866 THISTLE COURT N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,508/mo — principal and interest, the actual property-tax bill, the $164/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 2866 THISTLE COURT N?+
The association fee works out to $164 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2866 THISTLE COURT N?+
The most recent tax bill on record (2024) was $3,281. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2866 THISTLE COURT N?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $459,900, this home is listed about 22% above the Palm Harbor median of $377,495. The market section on this page shows how the area is trending.
Which schools are assigned to 2866 THISTLE COURT N?+
Joseph L. Carwise Middle School (middle), Highland Lakes Elementary School (elementary), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$459,900 runs 92% above the PALM HARBOR 34684 median.
02Fresh on the market
Only 5 days on market in a Palm Harbor market that averages 52 — if it fits, move quickly.
03Strong assigned schools
Joseph L. Carwise Middle School, Highland Lakes Elementary School, Palm Harbor University High — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KNOWN REAL ESTATE LLC · Mickey Arruda. MLS #TB8549269.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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